============================
The OnLine Exchange....
"Biz-Talk" E-ZINE
http://www.marketingtrendz.com
ISSN: 1528-3992
(c)Online Exchange Edition...
============================

       WELCOME...
To Our Biz-Talk Edition of The OnLine Exchange....
The PLACE To Get Straight to BIZ!

Please See The Bottom For Detailed Ezine Advertising Information

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        IN THIS ISSUE:

 ~ Our Biz-Talk Sponsors

 ~ Biz Thought -- The Ten Commandments of Human Relations

 ~ Featured Article --   A Practical Guide To Starting A Business

 ~ Interactive Classifieds

 ~ HOT Off The Press...BIZ TIP
 
 ~ E-Zine Advertising Information


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          *BIZ THOUGHT*

The Ten Commandments of Human Relations

1.  SPEAK TO PEOPLE: There is nothing
so nice as a cheerful word of greeting.

2.  SMILE AT PEOPLE: It takes 72 muscles
to frown, only 14 to smile.

3.  CALL PEOPLE by name:  The sweetest
music to everyone's ears is the sound of his/her
own name.

4.  BE FRIENDLY and helpful:  If you would
have a friend, be a friend.

5.  BE CORDIAL:  Speak and act as if everything
you do is a genuine pleasure.

6.  BE GENUINELY interested in people:  You
can like almost everybody if you try.

7.  BE GENEROUS with praise - cautious with
criticism.

8.  BE CONSIDERATE with the feelings of
others.  There are usually three sides to a
controversy: yours, the other fellows and the
right side.

9.  BE ALERT to give service.  What counts
most in life is what we do for others.

10.  ADD TO THIS a good sense of humor,
 a big dose of patience, and a dash of
humility and you will be rewarded many-fold.


========================

          *FEATURED ARTICLE*
 
           ===============
   A Practical Guide To Starting A Business
               by Sharon Davis
           ===============

Starting a business can be an exciting prospect....or a
frustrating, confusing task that seems impossible to conquer.

Which one will apply to your situation will depend on how well
you plan, how much you educate yourself, and how disciplined you
are in following through.

Many people start out with a great idea, but don't know how to
translate that idea into a viable business.

Where Do I Start?

Your first step should be your business plan.  Many would-be
entrepreneurs will skip this step, choosing the
fly-by-the-seat-of-your-pants method instead, but starting a
business without a business plan is like embarking on a long
journey to an unfamiliar place without a map.

A business plan serves to define your goals, map out your plan of
how to achieve them, and will provide you with a sense of purpose
and accomplishment along the way.

Your business plan should include the following elements:
1) the description of the business
2) the marketing plan
3) the financial management plan
4) the management plan

The Small Business Administration offers an online tutorial on
how to write a business plan.
http://www.sba.gov/starting/indexbusplans.html

One of the first decisions your will have to make is what form
your business should take.  The most common forms are:

-Sole Proprietorships
-Partnerships
-Corporations

Which form you choose will depend on many factors, including:

-Legal restrictions
-Liabilities assumed
-Type of business operation
-Earnings distribution
-Capital needs
-Number of employees
-Tax advantages or disadvantages
-Length of business operation

Some of the advantages and disadvantages of each type is outlined
below:

Sole Proprietorship
This is the easiest and least costly way of starting a business.
A sole proprietorship can be formed by finding a location and
opening the door for business. There are likely to be fees to
obtain business name registration, a fictitious name certificate
and other necessary licenses. Operating a Sole Proprietorship is
easiest as the owner has absolute authority over all business
decisions.

Partnership
There are several types of partnerships. The two most common
types are general and limited partnerships. A general partnership
can be formed simply by an oral agreement between two or more
persons, but a legal partnership agreement drawn up by an
attorney is highly recommended. Legal fees for drawing up a
partnership agreement are higher than those for a sole
proprietorship, but may be lower than incorporating. A
partnership agreement could be helpful in solving any disputes.
However, partners are responsible for the other partner's
business actions, as well as their own.

Corporation
A business may incorporate without an attorney, but legal advice
is highly recommended. The corporate structure is usually the
most complex and more costly to organize than the other two
business formations. Control depends on stock ownership. Persons
with the largest stock ownership, not the total number of
shareholders, control the corporation. With control of stock
shares or 51 percent of stock, a person or group is able to make
policy decisions. Control is exercised through regular board of
directors' meetings and annual stockholders' meetings. Records
must be kept to document decisions made by the board of
directors. Small, closely held corporations can operate more
informally, but record-keeping cannot be eliminated entirely.
Officers of a corporation can be liable to stockholders for
improper actions. Liability is generally limited to stock
ownership, except where fraud is involved. You may want to
incorporate as a "C" or "S" corporation.


What About Taxes?
It is very important to understand the tax laws that apply to the
type of business you have chosen.

There are four basic taxes that you should be aware of:
-Income Tax
-Self-Employment Tax
-Employment Taxes
-Excise Tax

Income Tax
You have to file an Income Tax return if your earnings were more
than $400 for the tax year. Even if your earnings were less than
$400 from your business, you may still have to file a 1040 if you
meet any of the criteria listing in the 1040 instruction booklet.

If you expect to owe more than $1,000 in Income Tax, you may have
to pay Estimated Taxes. There are four ways to pay estimated
taxes:

1.  By crediting an overpayment on your 1999 return to your 2000
estimated tax.
2.  By sending in your payment with a payment-voucher from Form
1040-ES.
3.  By paying electronically using the Electronic Federal Tax
Payment System (EFTPS). For EFTPS information, call
1-800-945-8400 or 1-800-555-4477.
4.  By credit card, using a pay-by-phone system.

For more information on Estimated Taxes, see the IRS website at
http://www.irs.ustreas.gov/forms_pubs/pubs/p505ch02.htm

Self-Employment Tax
Self-Employment Tax must also be paid if your net business
earnings were more than $400.  SE Tax is a Social Security and
Medicare tax that provides retirement benefits, disability
benefits, survivor benefits, and hospital insurance benefits to
you under the Social Security system.

You can deduct 1/2 of your SE tax from your net earnings on your
1040.

For more information on SE taxes:
http://www.irs.ustreas.gov/forms_pubs/pubs/p3340103.htm

Employment Tax
If you employ others in your business, you will need to report
Employment Taxes.  For specifics and tips on Employment taxes:
http://www.irs.ustreas.gov/forms_pubs/pubs/p15toc.htm

Whether or not you need an EIN (Employment Identification Number)
depends on your business structure.  You only need an EIN if you:

-Pay wages to one or more employees
-Have a KEOGH plan
-Operate as a corporation or partnership
-File any of these tax returns:
  a.  Employment
  b.  Excise
  c.  Alcohol, Tobacco or Firearms

To obtain an EIN, you must fill out an SS-4 which is available
through the IRS.

Excise Tax
Excise Taxes apply to certain types of businesses and certain
business activities.  Some examples are:
-Tractor or heavy machinery sales
-Tobacco, alcohol or firearms manufacturing or sales
-Business activities or products that have environmental impact

For a list of businesses that apply, see the IRS website:
http://www.irs.ustreas.gov/forms_pubs/pubs/p3340105.htm

A free Small Business Tax Kit is available from the IRS.  Their
Small Business Corner offers advice, publications and links to
useful information. http://www.irs.gov/  They also offer a Tax
Calendar which tells you when to file returns and make tax
payments.

You should also be aware that the laws vary by state and by
industry, so it is highly recommended that you consult a tax
advisor in your area.  You can get information on local zoning
regulations from your city hall, county court, or state
department of taxation and finance.

For More Information...
The Small Business Administration is an excellent source of
information and a great place to start.  You can get a free
Startup Kit, download a Business Plan Tutorial and find many free
publications.  http://www.sba.gov/

Other useful resources:

====>STAWRS One Stop Guide
http://www.tax.gov/newbusiness.htm

====>Business Plan Pro 4.0
http://www.amazon.com/exec/obidos/ASIN/B00003IE59/americashomebase

====>The Legal Guide for Starting & Running a Small Business
http://www.amazon.com/exec/obidos/ASIN/0873373790/americashomebase

====>J.K. Lasser's Taxes Made Easy for Your Home-Based Business
http://www.amazon.com/exec/obidos/ASIN/0028627970/americashomebase

====>Business Start-Up Guide:  How to Create, Grow, and Manage
Your Own Successful Enterprise
http://www.amazon.com/exec/obidos/ASIN/0965321207/americashomebase
____________________________________________
Sharon Davis is the Mother of two girls, the owner of
www.2Work-At-Home.Com and the
Editor of the site's monthly ezine, America's Home. 
In her spare time she reminisces about
what it was like to have spare time.
Subscribe to her free ezine, by sending a blank email to
mailto:workathome2-subscribe@listbot.com

=========================

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          *HOT OFF THE PRESS*
                      BIZ TIP

Don't Spam Or Try To "Beat" The System Through Abuse

For one thing, spamming doesn't seem to work with every
search engine. Ethically, the content of most web pages
ought to be enough for search engines to determine
relevancy without Webmasters having to resort to
repeating keywords for no reason other than to try and
"beat" other web pages. The stakes will simply keep rising,
and users will also begin to hate sites that undertake
these measures. Efforts would be better spent on networking, link
exchanges and alternative forms of
publicity.

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*TARGETED E-ZINE ADVERTISING INFORMATION*

The OnLine Exchange Ezine offers a wide variety of
advertising packages.
Prices start at only $30.00
We are a targeted ezine that is 100% opt-in.

The OnLine Exchange has a proven record
for publishing successful advertising campaigns
for businesses all over the world.

For pricing and details:

http://www.marketingtrendz.com/advertising.htm

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We will NEVER provide our subscriber list to ANYONE.
We respect the privacy of our readers.

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Contact Information:

Editor: Debbie Solomon
Publisher: Sara Hardy
http://www.marketingtrendz.com

MarketingTrendz
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